This article showcases our top picks for the best California based Fintech companies. These startups and companies are taking a variety of approaches to innovating the Fintech industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovation
- Innovative ideas
- Innovative route to market
- Innovative product
- Growth
- Exceptional growth
- Exceptional growth strategy
- Management
- Societal impact
Top California Fintech Startups
Data sourced from Crunchbase and SemRush.
Collective
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Collective provides financial concierge services for self-employed people and businesses.
Ascend
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Ascend is a modern, all-in-one payments solution purpose-built for insurance
Alt
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Alt is an alternative asset platform that allows people to buy, sell, and store sports cards.
Highnote
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Highnote is the world’s most modern card platform, purpose-built to grow customer loyalty, engagement, and revenue.
Goldfinch
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Goldfinch is a credit platform that offers crypto loans without collateral.
MicroAcquire
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MicroAcquire is a startup acquisition marketplace that helps startups find buyers and get acquired.
Daylight
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Daylight is the first and only digital banking platform in the USA built for LGBT+ people, by LGBT+ people.
TrueFi
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TrueFi is the ultimate DeFi uncollateralized lending protocol
Gr4vy
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Gr4vy is a cloud payment orchestration platform that helps businesses manage their payment solutions
Fei Protocol
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Fei Protocol is a direct incentive stable coin which is undercollateralized and fully decentralized.
Valora
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Valora is a mobile peer-to-peer payments and remittance app built on the Celo platform.
Figure
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Figure is a compensation platform that helps companies figure out how to pay their employees by making data driven decisions.
Lendtable
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Lendtable provides income-constrained individuals with wealth-building cash advances.
Burnt Finance
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Burnt Finance is a decentralized auction protocol to enable fast and seamless auctions for a diverse array of assets.
Onramp Invest
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Onramp Invest is a digital comprehensive crypto-asset management solution that helps financial advisors to invest in cryptocurrency.
Runway
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Runway is a ground up rethink of the role of financial data inside modern businesses.
Crediverso
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Crediverso is a financial marketplace where people can find credit cards, credit checks, and international money transfers.
Ensemble
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Ensemble is a FinTech platform designed to help co-parents manage shared expenses for their children more easily.
Fintor
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Fintor is a platform for buying and selling fractional equity shares in real estate properties.
Peachy
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With Peachy, healthcare providers get paid faster by making patient payments quicker, easier, and more affordable.
Sifchain Finance
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Sifchain is the world’s first omni-chain decentralized exchange (DEX) for digital assets.
Anzen
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Anzen is a management insurance and operations tool using real-time HRIS and SaaS integrations to identify and avoid management risks.
Sardine
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Sardine provides fraud prevention as a service solution for the digital economy.
Risk Harbor
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The only objective risk management marketplace for decentralized finance (DeFi).
Sanlo
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Vertically-focused platform of financial services for the gaming & app companies
Finley Technologies
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Finley is a YC- and Bain Capital Ventures-backed company that helps companies streamline debt capital raise and management.
HamsaPay
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HamsaPay provides solutions for the B2B e-commerce payments market.
Alice
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Alice is a decentralized finance mobile application that enables users to send money to friends.
Caplight
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Caplight is a platform that enables institutional investors to buy and sell derivatives of private equity.
Synctera
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Synctera is a FinTech-as-a-Service platform that connects financial institutions with fintech companies.
Citadel – Payroll APIs
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With Citadel, users can easily connect their payroll account and instantly verify employment, income, and identity.
Data Mynt
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Banking is needed. Banks are not. Data Mynt helps businesses reach their potential with web3 based financial tools.
Qooore — Investment, Trading & Insight
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Easy-to-understand AI-powered smart-signal investment tool
Front Finance
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Front is the ultimate investment platform powered by Front Score technology. Get our free app for iOS & Android. GetFront.com
ModernTax
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ModernTax is API platform that democratizes access to tax records for business services companies.
BlueTape
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BlueTape is a payment and financing platform for the construction industry.
Polkaswitch
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A decentralized multi-chain liquidity protocol on Polkadot, Ethereum, and top layer 1 & 2 blockchains.
Ready
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Ready makes software that helps local internet service providers connect more subscribers to better broadband services.
Deep Discovery
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Artificial intelligence for fighting global corruption
SmartDeFi
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SmartDeFi is a non-custodial robo-investment app for decentralized finance.
Inclined Technologies
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Inclined pioneers a new form of lending in a large and vastly underserved market.
Crush Capital
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Crush Capital is a fintech company democratizing access to investment opportunities.
MyMarkit
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Fintech Blockchain Marketplace – A New Way To Shop
Goalswell
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Goalswell is created to empower you with financial knowledge and healthy financial habit development through social goal setting.
Atomic
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Atomic is a provider of personalized investment management services that lets companies embed investment accounts into their services.
6figr.com
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All about Career & Money – We predict future Employability, Earning potential & Unemployment risk using AI.
Suma Wealth
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A financial wellness company for the U.S. Latinx community.
Flaist
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Flaist is the easiest and fastest way for banks to power digital initiatives. #WeFintechifyBanks
CapConnectPlus
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CapConnectPlus is an operator of a FinTech company intended to modernize and democratize the capital markets.
Cryptiswap
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CryptiSwap© is a Non-Custodial CryptoCurrency exchange/swap service | no registration | no holds | no third party
Sperta
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Sperta provides a risk decision platform for financial services and tech companies.
Revive Concierge
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Revive is a fast-growing startup that is rapidly innovating in the real estate industry for the homeowner.
SIREN
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SIREN is a distributed protocol creating a decentralized blockchain exchange for options trading on Ethereum.
Genie
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Building the next-generation platform for people to pay back their student loans — in record time.
Collidescope.io
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Social Media Activation, Fundraising & Measurement Platform
Safely Finance
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We turn large up-front rental costs into approachable multi-month payments
Parafin
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Parafin is a capital as a service platform for fundraising activities.
Dots
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Dots is a multichannel payouts API that automates manual processes for marketplaces.
Equi
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The future of alternative investments. Invest in the best alternative investments in the world, $100M net worth no longer required.
Iris
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Iris is a social trading stock app which allows users to connect a brokerage account and follow friends’ trades/portfolios in real time.
Better Tomorrow Ventures
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Better Tomorrow Ventures (BTV) is an early stage fintech focused fund that leads rounds in pre-seed and seed-stage companies globally
Givelist
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One app for all your giving. Discover the charities (1.9m) doing the best job for any cause you care about, give easily, and see your impact
Bay1
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BAY1 is an issuance and acquiring platform that connects businesses and merchants to a virtual payments platform.
Clientwell
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Clientwell is a digital growth and lead generation platform for wealthtech, SaaS, and financial service companies.
Bump by Ownors AI
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The #1 Fintech & AI-Driven Platform For Mentorship & Managed Micro-Advances For Creators
Amni
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Amni is a micro-savings and investing platform that ties with your favorite entertainment platforms to gamify saving and investing.
Sivo
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Sivo provides debt as a service. Our API allows companies to access debt funding and lend money to their users at scale.
Rari Capital
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The most advanced and creative rebalancing mechanism on DeFi. Built to maximize yield across protocols and reach new levels with strategies.
Chamaeleon
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early stage venture capital firm based in Silicon Valley investing globally
FarmRaise
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FarmRaise is a digital platform that offers financial resources for farmers and ranchers to make on-farm improvements.
Untapped Ventures
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Untapped Ventures is a startup studio and $10M pre-seed venture fund that builds and invests in startups re-imagining the Future of Work.
Splitsub
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Splitsub is an app to share online subscriptions with friends, family and others.
Staax
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Staax is a mobile app that lets you pay and get paid from peers with fractional share stock.
Carbonbase
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Carbonbase is building a fintech platform to facilitate sustainable investments for a global audience
Miter
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Miter leverages breakthroughs in B2B payments technology to build HR and financial software for construction firms.
Passbird Research
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FinTech. Payments. Cross Border. Security SaaS. Crypto.
Modern Logic
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Modern Logic builds a no-code rules engine to help fintech companies fight financial crime.
MoneyHash
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MoneyHash provides access to payment and fintech services across the Middle East & Africa with one simple integration.
ZeFi
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ZeFi is an alternative to high yield savings account. It lets users earn up to 8% APY on their deposits and spend with a debit card.
Funden
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Funden is the first AI-powered platform to scout startup investors and Venture Capital firms.
Telivy
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Telivy empowers SAAS platforms and insurance agencies with an embedded multi-carrier cyber insurance solution.
Winden
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The only business bank designed to help you make more money.
Pigeon Loans
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Pigeon Loans is a peer-to-peer lending platform that facilitates loans between family, friends, and loved ones.
Nuvestan
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Visualize the worth of your spending habits and compare it to the same cash if invested in stocks and ETFs at that time.
Emerging Impact
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Emerging Impact modernizes financial services in emerging markets through blockchain technology.
Sidepocket
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Sidepocket combines tactical investment strategies that generate returns by automatically rebalancing the money into assets that outperform.
RAIN Technologies
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Provider of API-enabled, automated trading solutions